Find the right pet insurance
Compare insurers and understand what matters before you choose or switch.
Independent UK pet insurance guidance
They’re family. Their insurance shouldn’t be complicated.
Independent tools and plain-English guidance to help you choose cover, understand what you’ve bought and make sense of a claim when things don’t go as expected.
How can we help today?
Choose what you need help with and we’ll take you from there.
Understand my cover
See what your policy covers, what it doesn't and what it means in plain English.
Claim not paid properly?
Understand why it was declined, reduced or deducted — and what’s worth checking.
Claim Check
See what Claim Check can spot
Paid less than expected? Claim Check checks the decision against the documents and shows you clearly what matches, what doesn’t and what needs more information.
£14
doesn’t currently match
Based on your documents£140 of the £154 difference is explained by the policy excess. One £14 consultation-fee deduction isn’t currently explained by the supplied documents.
- 1Matches
- 1Doesn't match
How ClearPetCover helps
Compare the bits that matter
Understand the small print
Get help with claims and renewals
Make your own mind up
Pet insurance can be confusing. We show you what matters, explain the bits that don’t make sense, and let you make your own mind up.
Why we built ClearPetCover →
Hi, I’m Willow
I’m here to explain pet insurance in plain English and help you find the answers you need.
Ask Willow a question
Popular Pet Insurance Guides
The questions UK pet owners ask us most.
- Lifetime Cover Explained
- Time Limited vs Lifetime
- Vet Fee Limits Explained
- Excess & Co-payment Explained
- Pre-existing Conditions
- Why Renewals Go Up
Prefer to browse by pet? Dog insurance guides · Cat insurance guides
Pet insurance, common questions
What is pet insurance?+
Pet insurance helps cover unexpected vet bills if your dog or cat is ill or injured. Policies vary in what they include, the limits they set and the conditions they exclude.
What does lifetime pet insurance mean?+
Lifetime cover refreshes your vet fee limit each year you renew, so ongoing conditions can be claimed for year after year, subject to the policy terms and limits.
What should I check before buying pet insurance?+
Look at the cover type, annual vet fee limit, excess, any co-payment, waiting periods, dental cover and the list of exclusions, especially around pre-existing conditions.
Can Willow recommend a policy?+
No. Willow gives plain-English educational guidance to help you understand pet insurance. Willow does not give personalised financial advice or recommend a specific policy.
Is ClearPetCover independent?+
Yes. ClearPetCover provides independent educational information for UK pet owners. It is not a price comparison site and does not sell insurance.